| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | BLUECROSS BLUESHIELD OF OKLAHOMA | $87K | $0 | $87K | 6.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1300 SOUTH MAIN STREET TULSA, OK 74119 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $75 | $3K | 4.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $934 | $934 | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD 4 RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8 | $8 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 13.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $770 | $770 | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | VISION SERVICE PLAN | $921 | $0 | $921 | 5.68% |
| LINDA R. HARRISON3 | 3606 LIBERTY DRIVE MOORE, OK 73160 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 14.93% |
| LINDA R. HARRISON3 | 3606 LIBERTY DRIVE MOORE, OK 73160 | AFLAC | $176 | $0 | $176 | 4.18% |
| CAROLYN BENDER3 | 917 EGGLESTON STREET FORT COLLINS, CO 80524 | AFLAC | $118 | $0 | $118 | 2.80% |
| MJ INSURANCE3 Filed as: LARRY D. DENNY AND VARIOUS AGENTS | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $75 | $0 | $75 | 1.78% |
| PAUL B BROUCHOUD3 Filed as: PAUL B. BROUCHOUD | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $64 | $0 | $64 | 1.52% |
| MICHAEL SYKES3 | 11966 SOUTH CLINTON STREET OLATHE, KS 66061 | AFLAC | $52 | $0 | $52 | 1.24% |
| BOBBY R STEWART3 Filed as: BOBBY R. STEWART | 3501 FRENCH PARK DRIVE SUITE E EDMOND, OK 73034 | AFLAC | $44 | $0 | $44 | 1.05% |
| STEPHEN W SIMPSON3 Filed as: STEPHEN W. SIMPSON | 540 CELTIC COURT EDMOND, OK 73025 | AFLAC | $29 | $0 | $29 | 0.69% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 246 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 353 | $72K |
| Vision | VISION SERVICE PLAN | 82 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $67K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 246 | $1.2M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.